During one of the windstorms, a branch fell and ripped my pool liner. It is covered under my homeowners insurance. However, I have never filed an insurance claim, thus far, in my life. I assume my premium will go up or something will be tacked on for 5 years... Just weighing what would be the most beneficial- paying for the new liner/ repairs myself or through the insurance.
First hand experiences I would greatly appreciate!

Turning in a claim won't necessarily raise your rates. You've been paying in premiums, you may as well get some benefit out it. Talk to your agent.

I've had a few claims over the years and wasn't punished for them.

I had a cpvc pipe crack in the winter (frozen pipe) on a policy I had held for 16 years. The damage to the house was Approx. 10K. I had a 1k deductible, the insurance company would not renew my policy the next year. I paid them about $1400.00 per year for 16 years and they dropped me for a 9k expense. It does happen sometimes. Insurance is a funky business.

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